MIRA INFORM REPORT

 

 

Report Date :

04.01.2013

 

IDENTIFICATION DETAILS

 

Name :

SCAN-D CORPORATION

 

 

Registered Office :

10F., No.22, Sec. 1, Zhongshan Rd., Xinzhuang Dist., New Taipei City 24250,

 

 

Country :

Taiwan

 

 

Financials (as on) :

30.09.2012

 

 

Date of Incorporation :

09.10.1995

 

 

Com. Reg. No.:

89403884

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Trading of furniture, etc

 

 

No. of Employees :

About 270 Employees

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No Complaints

Litigation :

Clear

NOTES :

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

TAIWAN - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. In keeping with this trend, some large, state-owned banks and industrial firms have been privatized. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.9%, due primarily to a 20% year-on-year decline in exports. In 2010 GDP grew 10.9%, as exports returned to the level of previous years, and in 2011, grew 5.2%. However, 2012 growth will likely be less, according to most forecasters, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but so far Taiwan has been excluded from this greater economic integration largely because of its diplomatic status with the exception of the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other regional partners, and negotiations on a deal with Singapore began this year. Follow-on components of ECFA, including deals on trade in goods, services, and investment, have yet to be completed. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 10.9% of the island's total population as of 2011. The island runs a large trade surplus, and its foreign reserves are the world's fourth largest, behind China, Japan, and Russia. Since 2005 China has overtaken the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

Source : CIA


Contact Points

 

Company Name:

Scan-D Corporation

Former Name:

Topshine Electronics Corporation

Supplied Name:

Scan D Corporation (NF)

Trading Address:

10F., No.22, Sec. 1, Zhongshan Rd., Xinzhuang Dist., New Taipei City 24250, Taiwan (R.O.C.)

Supplied Address:

10F, No. 22, sec.1 New Taipei City 242 Zhongstion Rd, Xinzhuang

Telephone Number:

+886-2-8522-5188

Fax Number:

+886-2-8522-5186

Website:

www.topshine.tw

Notes: The exact name and address are as above.

 

Credit Summary

 

Credit Opinion:

Business connections are permissible.

 

Company Identification Details

 

Registered Name:

Scan-D Corporation

Registered Address:

10F., No.22, Sec. 1, Zhongshan Rd., Xinzhuang Dist., New Taipei City 24250, Taiwan (R.O.C.)

Date of Foundation:

1995-10-9

Registration Number:

89403884

Registry:

New Taipei City Government

Registered Capital:

NTD 800,000,000 (USD 27,200,000)

(As of 2012.12, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 398,666,120 (USD 13,554,648.08)

Legal Representatives:

Fuqin Lin

Legal Form:

Joint Stock Company

Principal Activities:

Trading of furniture, etc

Staff:

About 270 Employees

Listed at Stock Exchange:

Yes; Stock Symbol: 6195

Date of Last Annual Return:

2012-9-3

 

History

Subject was incorporated on 1995-10-9 with registered number 89403884 as Joint Stock Company in Taiwan.

 

Subject was listed in Taiwan stock exchange on 2002-1-21.

 

Change of Name

Former Chinese Name

旭展電子股份有限公司

Current Chinese Name

詩肯股份有限公司

 

Former English Name

Topshine Electronics Corporation

Current English Name

Scan-D Corporation

 

Shareholders

 

Name

Subscription Shares

Noble Link Management Ltd.

13,650,000       

 

Enxin Xiao

 

10,500

 

Yirao Wang

367,500

 

The information above is that of subject’s major shareholders.

 


Subsidiaries & Branches

Branch Companies

 

1

Name

Kaohsiung Zhongshan 1st Branch

Registration Number

29153530

Date of Registration

--

Status

Live Company

Date of Last Annual Return

2010-8-3

2

Name

Tainan Ximen Branch

Registration Number

29162263

Date of Registration

2010-6-14

Status

Live Company

Date of Last Annual Return

2010-8-3

3

Name

Tainan Zhongzheng North Branch

Registration Number

29161709

Date of Registration

2010-6-10

Status

Live Company

Date of Last Annual Return

2010-8-3

4

Name

Tainan Dong Men Branch

Registration Number

29160119

Date of Registration

2010-6-2

Status

Live Company

Date of Last Annual Return

2010-8-3

5

Name

Taoyuan Chunri Branch

Registration Number

29159990

Date of Registration

2010-6-2

Status

Revocation

Date of Last Annual Return

2010-8-3

6

Name

Taoyuan Da-Xing West Branch

Registration Number

29159957

Date of Registration

2010-6-1

Status

Live Company

Date of Last Annual Return

2010-8-3

7

Name

Taichung Da-Fu Branch

Registration Number

29158991

Date of Registration

2010-5-27

Status

Revocation

Date of Last Annual Return

2010-8-3

8

Name

Taipei Jiuzong Branch

Registration Number

29158922

Date of Registration

2010-5-27

Status

Live Company

Date of Last Annual Return

2010-7-30

9

Name

Kaohsiung Minzu Branch

Registration Number

29158578

Date of Registration

2010-5-25

Status

Live Company

Date of Last Annual Return

2010-8-3

10

Name

Taipei Jingmei Branch

Registration Number

29158556

Date of Registration

2010-5-25

Status

Live Company

Date of Last Annual Return

2010-8-3

11

Name

Tainan Zhonghua East Branch

Registration Number

29158319

Date of Registration

2010-5-24

Status

Live Company

Date of Last Annual Return

2010-8-3

12

Name

Taoyuan Huanzhong East Branch

Registration Number

29157661

Date of Registration

2010-5-20

Status

Revocation

Date of Last Annual Return

2010-8-3

13

Name

Taipei Tianmu Branch

Registration Number

29156781

Date of Registration

2010-5-18

Status

Revocation

Date of Last Annual Return

2010-8-3

14

Name

Kaohsiung Bo-Ai Branch

Registration Number

29156570

Date of Registration

2010-5-18

Status

Live Company

Date of Last Annual Return

2010-8-3

15

Name

Taipei Fuxing North Branch

Registration Number

29156699

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-7-30

16

Name

Taipei Beixin Branch

Registration Number

29156635

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-8-3

17

Name

Taichung Wenxin 2nd Branch

Registration Number

29156608

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-8-3

18

Name

Taipei Xinsheng South Branch

Registration Number

29156564

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-8-3

19

Name

Zhanghua Jinma Branch

Registration Number

29156522

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-8-3

20

Name

Taichung Fengyuan Branch

Registration Number

29156425

Date of Registration

2010-5-17

Status

Revocation

Date of Last Annual Return

2010-8-3

21

Name

Hsinchu Guangfu Branch

Registration Number

29156396

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-8-3

22

Name

Taichung Wuquan Branch

Registration Number

29156353

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-8-3

23

Name

Taipei Di-Ding Branch

Registration Number

29156348

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-7-30

24

Name

Hsinchu Jingguo Branch

Registration Number

29156327

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2010-7-30

25

Name

Tainan Yongkang Branch

Registration Number

29156277

Date of Registration

2010-5-17

Status

Live Company

Date of Last Annual Return

2012-4-30

26

Name

Kaohsiung Youth Branch

Registration Number

29153638

Date of Registration

2010-5-4

Status

Live Company

Date of Last Annual Return

2010-8-3

27

Name

Tainan Yanhang Branch

Registration Number

29153503

Date of Registration

2010-5-4

Status

Live Company

Date of Last Annual Return

2010-8-3

28

Name

Hsinchu Freedom Branch

Registration Number

29153481

Date of Registration

2010-5-3

Status

Live Company

Date of Last Annual Return

2010-7-30

29

Name

Taoyuan Zhongyuan Branch

Registration Number

29153460

Date of Registration

2010-5-3

Status

Live Company

Date of Last Annual Return

2010-8-3

30

Name

Hsinchu Guangming Branch

Registration Number

29153118

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

31

Name

Taipei Zhonghe Zhongshan Branch

Registration Number

29153026

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

32

Name

Tainan Jinhua Branch

Registration Number

29153004

Date of Registration

2010-4-30

Status

Revocation

Date of Last Annual Return

2010-8-3

33

Name

Taipei Guting Branch

Registration Number

29152997

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

34

Name

Taoyuan Pingzhen Branch

Registration Number

29152981

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

35

Name

Taipei Wenchang Branch

Registration Number

29152976

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-7-30

36

Name

Taipei Minsheng East Branch

Registration Number

29152949

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-7-30

37

Name

Taipei Banqiao Branch

Registration Number

29152841

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

38

Name

Miaoli Toufen Branch

Registration Number

29152820

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

39

Name

Kaohsiung Niaosong Branch

Registration Number

29152785

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

40

Name

Taichung Wenxin 1st Branch

Registration Number

29152737

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

41

Name

Taipei Fuxing South Branch

Registration Number

29152808

Date of Registration

2010-4-30

Status

Live Company

Date of Last Annual Return

2010-8-3

42

Name

Pingdong Pingke Branch

Registration Number

29152791

Date of Registration

2010-4-29

Status

Live Company

Date of Last Annual Return

2010-8-3

43

Name

Taipei Minsheng 1st Branch

Registration Number

29152770

Date of Registration

2010-4-29

Status

Live Company

Date of Last Annual Return

2010-8-3

 

 

Personnel Information

Core Management

 

Directors

1

Name

Fuqin Lin

Position

Board Chairman

2

Name

Jieren Lin

Position

Director

3

Name

Qibin Liang

Position

Director

4

Name

Yuanyi Zeng

Position

Independent Director

5

Name

Zhongcheng Chen

Position

Independent Director

6

Name

Quan Zhang

Position

Supervisor

7

Name

Enxin Xiao

Position

Supervisor

8

Name

Yirao Wang

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 270 Employees

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

10F., No.22, Sec. 1, Zhongshan Rd., Xinzhuang Dist., New Taipei City 24250, Taiwan (R.O.C.)

 

Production Information

l         Subject is a trader of furniture, etc without any production activities.

 

Purchase Information

l         The registered activities of subject:

Business Code

Details

E801010

Interior decorating businesses

F105050

Wholesale of furniture, bedding, kitchen utensil and decoration

F111090

Wholesale of building material

F113030

Wholesale of precise instrument

F113070

Wholesale of telecom equipment

F118010

Wholesale of software

F119010

Wholesale of electronic material

F199990

Wholesale of other products

F205040

Retail of furniture, bedding, kitchen utensil and decoration

F211010

Retail of building material

F299990

Retail of other products

F401010

International trade business

I103060

Management consultant industry

I301010

Software service

I301030

Electronic information service

I501010

Product design

I503010

Landscape and interior decorating businesses

ZZ99999

Besides licensed business, all other business items those are not banned or restricted.

 

l         Subject purchases furniture, etc from both home and abroad such as Europe, Japan, and USA, etc.

 

Sales Information

 

l         Subject is engaged in sales of furniture, etc.

l         Subject’s sales regions include Asia, Europe and America, etc.

l         It is introduced that subject has more than 100 stores in the different parts of the world such as Taiwan domestic market, Japan, Singapore, Brunei, Germany, and Las Vegas, USA, etc.

l         Subject has their own brand “SCANTEAK”.

l         Subject is the agent of the USA brand “Restinic”.

 

Import and export right:

Import right

Yes

Export right

Yes

 

 

Settlements

Purchase

 

Domestic Purchase

Product

Payment Terms

Proportion

Furniture, etc

COD, CBD, etc

100%

 

Foreign Purchase

Product

Payment Terms

Proportion

Furniture, etc

CBD, etc

100%

 

Sales

 

Domestic Markets

Product

Sales Terms

Proportion

Furniture, etc

COD, CBD, etc

100%

 

Export

Product

Sales Terms

Proportion

Furniture, etc

COD, CBD, etc

100%

 


Balance Sheet

Unit: NTD/000

Date

2012-9-30

2011-9-30

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

310,064.00

351,595.00

 Notes receivable - net

566.00

198.00

 Accounts receivable - net

18,533.00

11,268.00

 Accounts receivable – related parties-net

0.00

48.00

Inventories

339,350.00

262,000.00

Prepayments

71,651.00

79,334.00

Other current assets

60,405.00

60,768.00

Current assets

800,569.00

765,211.00

Funds and Investments

 

 

Fixed Assets

 

 

Cost

 

 

Transportation equipment

4,826.00

994.00

Office equipment

2,561.00

269.00

Leasehold improvement

148,353.00

113,140.00

Other facilities

1,636.00

721.00

Coat on fix assets

157,376.00

115,124.00

Accumulated depreciation

-90,508.00

-49,955.00

Construction in process and prepayment for equipments

6,213.00

4,223.00

Fixed assets

73,081.00

69,392.00

Intangible Assets

 

 

Software cost

3,862.00

393.00

Intangible assets

3,862.00

393.00

Other Assets

 

 

Other Assets

39,706.00

32,945.00

Deferred charges

6,395.00

9,177.00

Deferred income tax assets-non current

0.00

0.00

Other asset

46,101.00

42,122.00

Assets

923,613.00

877,118.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

0.00

0.00

Notes payable

89,887.00

76,282.00

Notes payable-related parties

0.00

2,137.00

Accounts payable

14,447.00

22,734.00

Accounts payable-related parties

18.00

0.00

Income tax payable

15,476.00

15,214.00

Accrued expenses

49,642.00

51,501.00

Accounts payable-others

207.00

134.00

Account collected in advance

83,211.00

70,227.00

Other current liabilities

7,242.00

7,647.00

Current liabilities

260,130.00

245,876.00

Long-term liabilities

 

 

Reserves

 

 

Other liabilities

 

 

Liabilities

260,130.00

245,876.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

398,666.00

379,682.00

Capital Surplus

 

 

Capital surplus–share premium

60,000.00

60,000.00

Capital surplus

60,000.00

60,000.00

Retained Earnings

 

 

Legal reserve

33,908.00

10,262.00

Special reserve

0.00

0.00

Unappropriated retained earnings

170,909.00

181,298.00

Retained earnings

204,817.00

191,560.00

Stockholders' Equity and Other adjustment

 

 

Stockholders‘ equity

663,483.00

(USD 22,558,422.00)

631,242.00

(USD 21,462,228.00)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

0.00

0.00

Equivalent Shares of Outstandings of Advance Receipts for Common Stock (Unit: Share)

0.00

0.00

(As of 2012.12, 1 NTD = 0.0340 USD)

 

Profit and Loss Account

Unit: NTD/000

Date

2012-1-1~2012-9-30

2011-1-1~2011-9-30

Sales

979,977.00

(USD 33,319,218.00)

964,528.00

(USD 32,793,952.00)

Sales returns

17,653.00

11,577.00

Sales discounts and allowances

575.00

251.00

Sales

961,749.00

952,700.00

Other sales income

13,793.00

15,147.00

Operating income

975,542.00

967,847.00

Operating costs

373,732.00

371,575.00

Gross profit (loss) from operations

601,810.00

596,272.00

Selling expense

339,469.00

301,200.00

General and administrative expenses

95,513.00

91,019.00

Operating expenses

434,982.00

392,219.00

Operating income (loss)

166,828.00

204,053.00

Non-Operating Income

 

 

Interest income

2,880.00

1,293.00

Foreign exchange gains

0.00

2,657.00

Rental income

25.00

885.00

Miscellaneous income

4,925.00

7,830.00

Non-operating revenues and gains

7,830.00

12,665.00

Non-Operating Expenses

 

 

Interest expense

10.00

254.00

Loss on disposal of fixed assets

0.00

3,184.00

Foreign exchange losses

1,813.00

0.00

Miscellaneous disbursements

463.00

735.00

Non-operating expenses and losses

2,286.00

4,173.00

 Income from continuing operations before income tax

172,372.00

212,545.00

Income tax expense (benefit)

29,370.00

36,180.00

Income from continuing operations

143,002.00

176,365.00

Net income (loss)

143,002.00

(USD 4,862,068.00)

176,365.00

(USD 5,996,410.00)

Primary Earnings per Share

 

 

Primary earnings per share

3.59

4.42

Diluted Earnings per share

 

 

Diluted earnings per share

3.55

4.39

(As of 2012.12, 1 NTD = 0.0340 USD)

 

Cash Flows

Unit: NTD/000

Date

2012-1-1~2012-9-30

2011-1-1~2011-9-30

Net Income (Loss)

143,002

176,365

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

31,441

27,278

Amortization Expense

7,262

4,836

Provision (Reversal of Provision) for Bad Debts Losses

0

0

Loss (Gain) on Decline (Recovery) in Market Value, Scrap and Obsolescence of Inventories

3,118

2,739

Loss (Gain) on Inventories

18

974

Loss (Gain) on Disposal of Property, Plant and Equipment

0

3,184

Loss (Gain) on Deferred Income Tax

-138

20,841

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Notes Receivable

-113

-186

Decrease (Increase) in Accounts Receivable

2,829

7,017

Decrease (Increase) in Inventories

-25,709

33,732

Decrease (Increase) in Prepayments

12,856

-27,776

Decrease (Increase) in Other Current Assets

5,291

13,969

Increase (Decrease) in Notes Payable

-14,703

26,513

Increase (Decrease) in Accounts Payable

-15,420

444

Increase (Decrease) in Income Tax Payable

-11,814

14,694

Increase (Decrease) in Accrued Expenses

-9,908

9,134

Increase (Decrease) in Prepayments

13,042

-6,668

Increase (Decrease) in Other Current Liabilities

684

4,035

Net Cash Provided by (Used in) Operating Activities

141,738

311,125

Cash Flows from Investing Activities

 

 

Purchase of Property, Plant and Equipment

-31,064

-49,212

Proceeds from Disposal of Property, Plant and Equipment

0

249

Increase (Decrease) in Refundable Deposits

-5,889

-528

Increase in Deferred Charges

-2,301

-1,198

Increase (Decrease) in Restricted Assets

3,747

19,668

Purchase of Intangible Assets

-2,797

0

Net Cash Provided by (Used in) Investing Activities

-38,304

-31,021

Cash Flows from Financial Activities

 

 

Increase (Decrease) in Short-term Borrowing

0

-10

Issue Cash Dividend

-170,857

-75,936

Increase Cash capital

0

0

Net Cash Provided by (Used in) Financing Activities

-170,857

-75,946

Net Increase (Decrease) in Cash and Cash Equivalents

-67,423

204,158

Cash and Cash Equivalents, Beginning of year

377,487

147,437

Cash and Cash Equivalents, End of year

310,064

351,595

Supplemental Cash Flow Information

 

 

Interest Paid

10

254

Interest Paid- Excluding Capitalized Interest

10

254

Income Tax Paid

41,322

645

Non-cash Investing and Financing Activities

 

 

Cash Dividends Payable

0

0

Investing Activities Affecting Both Cash and Non-cash Items

 

 

Cash Paid for Acquisition of Property, Plant and Equipment

 

 

Increase in Property, Plant and Equipment

24,628

15,150

Increase (Decrease) in Payable for Equipment Purchased

6,436

34,062

Cash Paid for Acquisition of Property, Plant and Equipment

31,064

49,212

 

Bankers

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

 

Public Record

Mortgage

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

 

Interview Details

 

Name

Mr. He

Department

Sales Department

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.42

UK Pound

1

Rs.88.29

Euro

1

Rs.71.49

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

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NB

New Business

 

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This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.